Investor PresentationMay - 2018

2

Safe Harbor

No representation or warranty, express or implied is made as to, and no relianceshould be placed on, the fairness, accuracy, completeness or correctness of suchinformation or opinions contained herein. The information contained in thispresentation is only current as of its date. Certain statements made in thispresentation may not be based on historical information or facts and may be “forwardlooking statements”, including those relating to the Company’s general business plansand strategy, its future financial condition and growth prospects, and futuredevelopments in its industry and its competitive and regulatory environment. Actualresults may differ materially from these forward-looking statements due to a numberof factors, including future changes or developments in the Company’s business, itscompetitive environment and political, economic, legal and social conditions in India.This communication is for general information purpose only, without regard tospecific objectives, financial situations and needs of any particular person. Thispresentation does not constitute an offer or invitation to purchase or subscribe forany shares in the Company and neither any part of it shall form the basis of or berelied upon in connection with any contract or commitment whatsoever. TheCompany may alter, modify or otherwise change in any manner the content of thispresentation, without obligation to notify any person of such revision or changes. Thispresentation can not be copied and/or disseminated in any manner.

3

Contents

About Us

Q4 FY18 Highlights

Performance Matrix

Next Generation Bank

An Inflection Point

Business Strategy

4

Q4 FY18 Highlights

5

We have ‘Zero’ accounts in our watchlist of Large Corporate Loan Book

FY18 Advances growth at ~17%

Retail (excluding Gold), SME and Agriculture Loan book growth at ~20%

Increase of ~23% YoY in Transaction Fee and Technologyincome for FY18

Financial Results in line with guidance

Key Highlights

6

Award Wins

IBA Technology Awards 2018Winner – Best Technology Bank of the Year

Winner - Best Payment Initiatives Winner - Best use of Digital & Channel Technologies

Runner up – Best Financial Inclusion InitiativesRunner up – Best IT Risk & Cyber Security Initiatives

7

Award Wins

ASSOCHAM - Won Social Banking Excellence Award 2017

(Priority Sector Lending)

8

Award Wins

FIEO Regional Export Award 2015-16

Best Financial Services & Foreign Exchange Earner in Southern Region (Gold)

9

Key Performance Highlights- Q4 FY18

17%9%

Deposits

72,030

66,117

Q4 FY18

Q4 FY17

Advances

55,109

47,084

Q4 FY18

Q4 FY17

CASA

17,142

15,746

Q4 FY18

Q4 FY17

9%

Net Interest Income

Q4 FY18

Q4 FY17

492

439

12%

Q4 FY18

Q4 FY17

Other Income

179

138

30%

Rs Crs

PAT

114

76

Q4 FY18

Q4 FY17

51%

PPOP

311

281

Q4 FY18

11%

Q4 FY17

10

Business Strategy

11

Our Strategy…

• Focus on retail loan products

• Efficient branches for faster processing of loans

• Continuous training of work force

• Advanced technology for ease of customers

• Invest in Brand Building

Expand Retail

Business

• Cluster based approach in industry hubs

• Sole Banker to SMEs for all banking needs

• Dedicated vertical to penetrate SME banking

Strengthen SME Base

• Strategy & Road map in place to increase CASA funds

• Centralized processes allowing branches to focus on garnering low cost funds

Improve CASA

• Granulize loan portfolio to spread out risk

• Cautious approach on large corporate lending

• Special cell for monitoring non performing and restructured assets

Enhance Asset

Quality

• Focus on increasing banking services for SME, Retail, NRI

• Enhance treasury capabilities & increase branch strength

• Expand PoS & ATM Network

• Leveraging technology to introduce modern & new-age banking products

Improve share of

other Income

12

…Performance in Line with Strategy

INCREASE20% YoY

Expand Retail, SME & Agriculture Business

Rs. 33,314 Crs

Strengthen SME Base

Rs. 12,965 Crs

Improve CASA

Rs. 17,142 Crs

INCREASE18% YoY

INCREASE9% YoY

Enhance Asset Quality(Restructured Book)

Rs. 297 Crs

DECREASE48% YoY

Improve share of other Income in FY18

Rs. 837 Crs

INCREASE17% YoY

13

Shall continue to focus on Core Strengths

01 Increase …

CASA

02 Retail Business …

More Products

03 SME Business …

Sole Banker

04 Improve

NIM

05 Increase…

Fee Income

06 Sustainable…

Asset Quality

RetailRelationships

SMERelationships

14

...Increase Retail & SME Business

• Enhanced risk management

• KYC compliance and fraud prevention tools

Loan Processing

• Penetrate further in the existing set of Customers

• Faster Sanctions

Retail Business

• Focus on particular geographies and open additional branches

• Improve Branch Profitability

Branch Profitability

Centralized Marketing & Processing

Centre (Kochi)

01 02 03

Retail Hub

• Home Loan• Auto Loan• MSME Loan• LAP

Cluster Branches

15

…by focus on Housing Loans in Retail

2,903 2,993 3,122 3,348 3,571

1,321 1,361 1,320 1,328 1,357

2,085 2,041 2,0172,250

2,446

3,127 3,252 3,2923,671

3,826801 986 1,047

1,0081,045

1,3291,369 1,436

1,4221,543

Jun-17

12,23412,002

Dec-17

13,027

Sep-17Mar-17

11,566

13,787

Mar-18

Retail Breakup

Gold

HousingLAD*

Others

Manufacturing

Service & Traders

Housing: Key Initiatives

• Retail hub in Kochi to increase focus on housing finance

• Dedicated Officers for marketing Retail Loans

• Marketing initiative through TVCs

• Tailor made products for different segments

Dec to Mar 2018

• Mortgage Loans Sanctioned : 2,682 Nos.

• Amount of Mortgage Loans Sanctioned – 875 Crs

Rs Crs

*LAD = Loan against deposits

16

…becoming a Banker of Choice to SMEs

SME Loan Book by Geography – Q4 FY18

• Dedicated JGM appointed to ensure focus and better coordination with regions

• Focused ‘Green Channel’ branches to drive faster loan growth to SMEs

• Target to become banker of choice to SMEs thereby getting other business as well –liabilities, vehicle finance, etc.

• Ongoing training (in-house as well as external)

SME Highlights

Average SME Loan / Account

26.50

23.50

21.25

19.69

17.66

Jun-17 Mar-18Sep-17 Dec-17Mar-17

Rs Lakhs

Kerala43%

South (Ex-Kerala)

32%

Rest of India25%

17

…with the help of our Branch Network

Branch Location*No of

Branches

Kerala 464

South India (Ex-Kerala) 248

Rest of India 142

Total 854

Total Branch Network

Total ATM Network

854850834822794738

FY14FY13

+3.0%

FY18FY15 FY16 FY17

1,3821,3201,2871,2001,000

800

FY14 FY16FY13

+11.6%

FY18FY17FY15

*Map for illustration purpose only

18

… and our Experienced Employees

Total Employees: 7,287*

9%3%

29%

34%

25%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

7,2876,977

ClosingMar-18

77

Dec-17

83279

Jun-17Mar-17

191

Sep-17

*Full-time officers and clerks.

19

Performance Matrix

20

Strong Deposit Franchise

Core & Non-Core Deposits

CASA Deposits

6%

Core Deposit Non-Core Deposit Total Deposit

Mar-18 Mar-18

Mar-17 Mar-1754,216

57,469

66,117

72,030

9%

Current Deposit Savings Deposit Total CASA

Mar-18 Mar-18 Mar-18

Mar-17 Mar-17 Mar-17

2,753 12,994

14,084

15,747

17,142

11% 8% 9%

3,058

Rs Crs

Rs Crs

22%

Mar-18

Mar-1711,902

14,561

21

Core Deposits Growing...

Breakup of Deposits

11,874 10,043 11,039 11,435 14,480

12,994 13,522 13,526 13,79914,084

38,498 39,162 39,618 39,74640,408

3,064

Mar-17

66,117

2,753

65,791

Jun-17

67,142

2,959

Dec-17

68,109

3,129

Sep-17 Mar-18

72,030

3,058

Others*CurrentTerm Savings

CASA Deposit

3,0582,753

15,747

+9%

Mar-17

12,994

Mar-18

17,142

14,084

Term Deposits

40,40838,498

Mar-17

+5%

Mar-18

Rs Crs Rs Crs

SavingsCurrent

Rs Crs

*Others includes: Bulk, Certificates of Deposits

22

NRI Deposits Growing…

23.8 25.2 24.6 24.9

23.8

Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

CASA NRI Deposits

18,85518,37517,85017,389

16,821

Jun-17Mar-17 Mar-18Dec-17Sep-17

In (%)Rs Crs

23

Break Up of Non Resident Deposits

Deposit Type (Rs Crs) Q4-FY 17 Q1-FY 18 Q2-FY 18 Q3-FY 18 Q4-FY 18

NRE SB 2,908 3,089 3,106 3,212 3,335

NRO SB 508 520 539 603 618

FCNR (B), RFC & Others 1,446 1,508 1,568 1,598 1,634

Low Cost NRI Deposit (Sub Total)

4,862 5,117 5,213 5,413 5,587

NRE Term Deposit 11,453 11,767 12,130 12,427 12,704

NRO Term Deposit 506 505 507 535 564

Total NRI Deposit 16,821 17,389 17,850 18,375 18,855

24

Composition of Loan Book

34,67133,85131,845

29,72829,183

Dec-17Sep-17Jun-17Mar-17 Mar-18

Corporate Advances (Above Rs 25 Crs)

Rs Crs

20,43818,59817,87217,53617,901

Jun-17 Sep-17 Dec-17Mar-17 Mar-18

Retail Advances

Rs Crs

Segment wise Break Up of Total Loan BookRs Crs

20,438 ,37.09%

12,430 , 22.56%

1,357 , 2.46%

12,965 , 23.53%

7,919 , 14.37%

Corporate

Retail Ex Gold

Gold

SME

Agriculture

25

Composition of Corporate Loan Book

78% of Corporate Loan Book is Investment Grade

Rs Crs

27.2%

24.6%

Mar-18

21.8%

26.4%

Sep-17

27.0%

Jun-17

21.2%

0.2% 0.0%

Dec-17

28.1%

0.1%

18.6%

19.2%

35.0%

25.9%

24.7%18.3%

38.3%

19.0%

18.9%

31.9%

32.8%

0.2%0.5%

24.2%

Mar-17

15.9%

BBB <BBBAAAA AA

29.29%

12.60%

4.15%7.85%

5.76%

3.65%

3.83%

3.37%

2.83%

1.60%

2.10%

12.09%

10.88%

Financial IntermediariesInfrastructureCements & ProductsProfessional ServicesBasic Metal & Metal ProductsTextilesTradeChemicals and Chemical ProductsFood Processing and Agri Allied ActivitiesConstructionAll EngineeringManufacturing IndustriesOther Service Sectors

26

Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV – 65%)

SMEAgriculture

12,43011,69910,91410,64110,245

Mar-18Sep-17 Dec-17Jun-17Mar-17

1,357

Mar-17 Mar-18Dec-17Sep-17

1,321 1,3281,361 1,320

Jun-17

12,96513,25512,42510,85110,984

Mar-18Dec-17Mar-17 Jun-17 Sep-17

7,9197,5697,1856,8766,633

Mar-17 Dec-17Jun-17 Mar-18Sep-17

~16% of the Agriculture & SME

Loans are backed byAdditional Security

by way of GOLD

Retail Loans (Excl. Gold), Agriculture &

SME has grown by 20% (Y-o-Y)

Rs Crs

Rs Crs

Rs Crs

Rs Crs

27

Advances growing Across Regions

18,221 18,689 19,762 21,576 22,502

14,693 15,03415,440

15,97516,624

14,170 13,54114,515

14,89815,983

Jun-17

47,084 47,264

Mar-17

55,109

Mar-18Dec-17

52,449

Sep-17

49,717

South Ex- KeralaRest of India Kerala

Rs Crs

28

Net Interest Income - Quarter

Net Interest Income

492509503461439

Dec-17Jun-17 Sep-17 Mar-18Mar-17

Cost of Deposits & Yield on Advances

Net Interest Margin

2.732.882.952.802.74

Mar-18Sep-17Mar-17 Jun-17 Dec-17

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

5.72 5.62 5.42 5.40 5.40

8.16 8.14 8.06 7.977.83

Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

Cost of Funds Yield on FundsIn %

6.33 6.24 6.05 6.01 6.04

9.97 10.06 10.03 9.88 9.61

Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

Cost Of Deposit Yeild on Advances

29

Net Interest Income - Cumulative

Net Interest Income

1,966

1,473

964

461

1,675

Dec-17Jun-17 Sep-17 Mar-18Mar-17

6.64 6.24 6.14 6.10 6.08

10.4310.06 10.05 9.99

9.89

Mar -17 Jun -17 Sept -17 Dec -17 Mar -18

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.842.872.872.802.72

Sep-17Mar-17 Jun-17 Dec-17 Mar-18

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

6.06 5.62 5.52 5.46 5.44

8.508.14 8.10 8.04

7.97

Mar -17 Jun -17 Sept -17 Dec-17 Mar-18

Cost of Funds Yield on FundsIn %

30

Improving Operating Efficiency

49.20

44.19 42.6345.12

47.17

Mar -17 Jun -17 Sept -17 Dec -17 Mar -18

C/I Ratio

Business per Employee Business per Branch

14.914.514.114.313.8

Dec-17Sep-17Jun-17Mar-17 Mar-18

134132130129120

Sep-17Jun-17Mar-17 Dec-17 Mar-18

Employee Additions

-6

279

191

-83-77

Mar -17 Jun -17 Sept -17 Dec -17 Mar -18

In %

Rs Crs Rs Crs

31

Sustainable Other Income

…Sustainable : Transaction Fees + Technology

27 30 29 31 31

59 54 64 67 69

Mar-18Sep-17 Dec-17

98

Jun-17

10094

86

Mar-17

84

Total Other Income led by ….

TechnologyTransaction Fees

Investment Book as on Mar-18

Rs Crs Rs Crs

39110

43 558968

1825

11

Sep-17

8

Mar-17

9

11

7

Jun-17

13

9

Mar-18Dec-17

Profit on Sale of InvestmentsOtherForex

Profit on Sale of Investments, Forex & Others

Rs Crs

179159

280

219

138

Mar-17 Dec-17Sep-17Jun-17 Mar-18

Details Rs. Crs M Duration

HTM 14,422 5.54

AFS 4,328 3.19

HFT 0 0.00

Total 18,751 5.19

32

Break Up of Provisions

Rs Crs Q4-FY 18 Q4-FY 17 Q3-FY 18

For NPA & NPI 151.7 231.6 229.8

For Depreciation on Investments 8.5 23.3 4.5

For Standard Assets -6.2 -21.1 6.5

For Restructured Advances/Sacrifices & FITL -10.1 -34.0 -0.3

For Unhedged Forex Exposure -0.1 -2.4 0.5

Others 4.8 -32.2 -86.7

Taxes 48.2 40.0 60.9

Total Provisions 196.8 205.3 215.2

33

Non Performing Assets

Net NPA

1.45%

2.54% 2.57% 2.35% 2.60%

Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

Gross NPA

2.45%

3.61% 3.57% 3.40% 3.59%

Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

Net NPA MovementGross NPA Movement

Rs Crs Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

Opening 1,787 1,149 1,696 1,766 1,775

Additions 1,150 686 252 258 614

Deductions 1,788 140 182 249 408

Closing 1,149 1,696 1,766 1,775 1,980

Rs Crs Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

Opening 1,116 675 1,183 1,256 1,211

Additions 991 580 209 89 510

Deductions 1,432 72 136 134 305

Closing 675 1,183 1,256 1,211 1,416

34

Stressed Assets - QoQ

Gross Basis Net Basis

Rs Crs Q3-FY 18 Q4-FY 18 Q3-FY 18 Q4-FY 18

NPA 1,755 1,980 1,211 1,416

Restructured Standard Advance 248 57 248 57

Other Stressed Advances 0 0 0 0

Total Stressed Assets 2,023 2,037 1,459 1,473

Advances 52,184 55,109 51,615 54,539

Stressed Assets as % of Advances 3.88% 3.70% 2.83% 2.70%

We have ‘ZERO’ accounts in our Watchlist of Large Corporate Book

35

Restructured Advances Breakup

Restructured Assets Break-up

309

240 252 248

57

262

261 261 261

240

Sep-17Mar-17

571

Jun-17

513501

297

Dec-17

509

Mar-18

Restructured Standard Advance

Restructured NPA

Sector Standard Restructure – Q4FY18

35%

37%

28%

SugarConstruction EPCIron, Steel & Basic Metals

Rs Crs

36

Restructured Standard Advance

Restructured Standard Asset BookRs Crs

190 - -

22 - -

36 - -

Infra Roads

OpeningIncrease in

Existing Balance

Uday – SDLInvestments

Construction EPC

Others

190

-

-

Slippages to NPA

248 - -Total -

-

21

36

Closing Balance

57

-

-

-

Fresh Addition

-

-

1

-

Decrease in Balance

-

37

Movement in Restructured Accounts

Movement in Restructured Accounts

219

297

509

8

Opening Fresh Addition

0

Dec in Balance

Closing

0

1

Closure Including Write Off

Upgradation in Standard

Category

Increase in Balance

Shift of focus from Large Corporate

toSMEs

Defocusing from Stressed Sectors

Special Cell & Asset Monitoring Cell

Rs Crs

38

Adequate Provisioning

NPA Provisioning

171 170

541540

ClosingDeductionsAdditionsOpening

Provision Coverage

Ratio – 41.2%

Rs Crs

39

Fresh Slippages/Advance Ratios

SME Slippage

Retail Slippage

Corporate Slippage

0.86%

0.61%

0.34% 0.38%

0.18%

Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

Agriculture Slippage

0.90%

0.27%

0.44%

0.18%

0.71%

Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

0.64%

0.85%0.78%

0.18%0.30%

Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

2.37%

3.51%

0.53%

0.00%

2.36%

Mar-17 Jun-17 Sept-17 Dec-17 Mar-18

40

Well Capitalized to support Growth

BASEL III

In %

10.9 10.8 10.4 10.1 10.4

1.5 1.41.4 2.4 2.3

12.1

Sep-17Jun-17 Dec-17

12.5

11.7

Mar-17 Mar-18

12.412.7

Tier 2 Tier 1

41

Balance Sheet Overview- Q4 FY18

Rs Crs Q4-FY 18 Q4-FY 17 Y-o-Y (%) Q3-FY 18 Q-o-Q (%)

Capital & Liabilities 82,686 74,312 11.3% 79,314 4.3%

Capital 181 180 0.3% 181 0.2%

Reserves and Surplus 5,060 4,665 8.5% 4,940 2.4%

Deposits 72,030 66,117 8.9% 68,109 5.8%

Borrowings 4,043 1,958 106.5% 4,678 -13.6%

Other Liabilities & Provisions 1,372 1,391 -1.4% 1,406 -2.5%

Assets 82,686 74,312 11.3% 79,314 4.3%

Cash & Balances with RBI 3,258 3,078 5.9% 3,069 6.1%

Balances with Banks 963 810 18.9% 584 64.9%

Investments 18,363 19,430 -5.5% 18,584 -1.2%

Advances 54,563 46,389 17.6% 51,638 5.7%

Fixed Assets 681 656 3.8% 655 4.0%

Other Assets 4,858 3,949 23.0% 4,784 1.6%

Business (Advances + Deposits) 1,26,592 1,12,507 12.5% 1,19,747 5.7%

Current Accounts 3,058 2,753 11.1% 3,129 -2.3%

Savings Accounts 14,084 12,994 8.4% 13,799 2.1%

CASA Ratio 23.80% 23.82% -0.1% 24.86% -4.2%

42

Profit & Loss Overview- Q4 FY18

Rs Crs Q4-FY18 Q4-FY 17 Y-o-Y (%) Q3-FY18 Q-o-Q (%)

Net Interest Income 492 439 12.1% 509 -3.4%

Other Income 179 138 29.7% 159 12.5%

Total Income 671 577 16.3% 668 0.4%

Operating Expenses 360 296 21.6% 338 6.5%

Operating Profit 311 281 10.7% 330 -5.8%

Provisions (Ex-Tax) & Contingencies

149 165 -10.1% 154 -3.7%

Profit Before Tax 162 115 40.5% 176 -7.7%

Provision for Tax 48 40 20.5% 61 -20.9%

Profit After Tax 114 76 51.1% 115 0.8%

43

Key Metrics- Quarterly

Particulars FY15 FY16 FY17 FY18

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4Net Interest Margin (NIM) %

2.7 2.9 2.5 2.7 2.5 2.8 2.9 2.6 2.7 2.8 2.7 2.7 2.8 2.9 2.9 2.7

CRAR Basel III 12.2 12.1 11.4 12.1 11.4 11.9 11.7 11.8 11.7 11.1 11.1 12.4 12.1 11.7 12.5 12.7

RoAA (Annualized) 0.5 0.6 0.6 0.1 0.5 0.6 0.7 0.5 0.6 0.7 0.6 0.4 0.6 0.02 0.6 0.6

Provision Coverage 62.5 62.9 60.4 61.0 56.1 55.3 50.3 40.3 42.6 46.1 50.2 55.1 44.6 44.1 49.4 41.2

CASA 22.1 22.1 21.5 20.6 22.3 22.8 23.0 22.4 23.2 22.8 25.9 23.8 25.2 24.6 24.9 23.8

Gross NPA 1.5 1.6 1.8 1.7 1.9 2.2 2.8 3.8 4.0 4.0 4.0 2.5 3.6 3.6 3.4 3.6

Net NPA 0.9 0.9 1.0 1.0 1.2 1.4 1.8 2.9 2.9 2.8 2.5 1.5 2.5 2.6 2.4 2.6

Book Value per Share (Rs.)

25.9 26.5 27.1 26.6 27.1 27.8 28.5 28.5 30.0 30.8 31.6 26.9 27.7 27.6 28.4 29.0

EPS (Rs.) (Annualized) 3.8 3.0 2.9 2.3 1.9 2.3 2.6 2.5 2.8 3.0 3.1 2.6 2.3 0.1 2.5 2.6

Branches

- Kerala 439 440 441 444 447 447 447 449 453 454 455 463 463 463 463 464

- South India (Ex-Kerala)

230 232 233 239 242 244 244 245 245 245 245 246 246 246 246 248

- Rest of India 132 133 136 139 139 140 140 140 140 140 140 141 142 142 142 142

Total Branches 801 805 810 822 828 831 831 834 838 839 840 850 851 851 851 854

ATMs

- Kerala 565 587 607 651 670 682 688 698 701 713 718 724 745 756 769 783

- South India (Ex-Kerala)

297 313 325 365 378 380 384 387 388 391 393 394 396 393 396 398

- Rest of India 156 163 176 184 196 198 200 202 202 202 202 202 203 205 205 201

Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287 1,291 1,306 1,313 1,320 1,344 1,354 1,370 1,382

44

Next Generation Bank

45

Present across Customer Touch Points

SIB Mirror + Mobile Banking

Point of SaleInternet Banking

ATMs

1,382 ATMs across India

Branches

854 Branches & 55 Extension Counters

Traditional & Alternate Channels

46

Technology Initiatives

SIB Mirror is a mobile-led platform with instant account access, balance retrieval, immediate fund transfers, all account intimations, and much more

SIB-er Net is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers

Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers

SIB offers Visa, MasterCard, and RuPay debit cards with online access to users for secure domestic and international transactions

Centralized Processing Center allows enhanced risk management and customer creation with complete KYC compliance and fraud prevention tools

47

Personal Banking: Technology Banking

Active Internet Users

192 205 223 260

303

Mar-17 Jun-17 Sep-17 Dec-17 Mar-18

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

954885865839899

Sep-17 Dec-17Mar-17 Jun-17 Mar-18

6,0755,594

4,9064,7004,489

Dec-17Sep-17Jun-17Mar-17 Mar-18

2,2421,961

1,4821,3281,412

Sep-17Jun-17Mar-17 Dec-17 Mar-18

1,875

1,548

1,2581,0261,008

Dec-17Mar-17 Sep-17Jun-17 Mar-18

(000)’s (000)’s

(000)’s

Rs Crs

Rs Crs

48

Personal Banking: Debit Cards

3.2 3.3

3.5 3.6

3.8

Mar-17 Jun-17 Sep-17 Dec-17 Mar-18

No of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

37.236.733.833.633.7

Mar-18Dec-17Sep-17Mar-17 Jun-17

In Millions In Millions

Rs Crs 7,0906,9496,6856,655

5,480

Mar-18Dec-17Jun-17 Sep-17Mar-17

49

An Inflection Point

50

Moving Towards Vision 2020…

▪ Provides advisory support to bank on the medium and long term strategy for significant growth in retail, agriculture and SME sectors

Appointed International

Finance Corporation

▪ Facilitates loans to MSE and promotes the MSME credit portfolio of the Bank

Entered Memorandum

of Understanding with NSIC

▪ Houses the Bank’s Marketing Dept, Retail Loan Hub and Transaction Banking Dept

Opened Centralized

Marketing & Processing

Centre

....to become Retail Banking Power House

51

About Us

52

Milestones

FIRST among the private sector banks in Kerala to

become a scheduled bank in 1946 under the RBI Act

FIRST bank in the private sector in India to open a

Currency Chest on behalf of the RBI in April 1992

FIRST private sector bank to open a NRI branch in

November 1992

FIRST bank in the private sector to start Industrial Finance

Branch in March 1993

FIRST among the private sector banks in Kerala to open an "Overseas Branch" to cater

exclusively to the export and import business in June 1993

FIRST bank in Kerala to develop an in-house, a fully integrated branch automation software in addition to

the in-house partial automation solution operational since 1992

The FIRST Kerala based bank to implement Core Banking System

53

Expansion since FY07

Branch Network

142

122

248

277

464

66

854

~2X

FY18FY07

465

Kerala Others (Rest of India)South Ex-Kerala

ATM Network

783

201

398

84

1,382

FY07

174

51

FY18

~8X

39

54

Performance since FY07

1,966

368

CAGR : 16%

FY18FY07

Net Interest Income

20,158

FY18

127,139

CAGR : 18%

FY07

Business (Advances + Deposits)

335

104

FY07

CAGR : 11%

FY18

Profit After Tax

3.593.94

FY18

35bps

FY07

Gross NPA

Rs Crs Rs Crs

Rs Crs In %

55

Leadership Team

Mr. V. G Mathew , MD & CEO

▪ Post Graduate in Physics and CAIIB with over 37 years of experience

▪ Joined SIB in January, 2014 as Executive Vice President and appointed as MD & CEO in October, 2014

▪ Significant experience in Retail & Corporate Credit, Technology and Risk Management

▪ Joined SBI as a probationary officer in the Ahmadabad Circle in 1978 and was Chief General Manager before joining SIB

▪ The major assignments handled by Mr. Mathew in SBI are

▪ Dy. General Manager (IT Networking Project)

▪ Dy. General Manager and Branch Head, (Overseas Branch, Bangalore)

▪ General Manager, (Corporate Accounts Group-Mumbai Branch)

▪ Chief General Manager (Risk Management)

▪ Chief General Manager (Corporate Accounts Group)

▪ He has served on various committees at Corporate Center of SBI such as Wholesale Banking Credit Committee,

Investment Committee, Corporate Centre Credit Committee and was a Director on the Board of SBI Macquarie

Infrastructure Trustee (P) Limited

56

Leadership Team

Mr. Thomas Joseph K, EVP (Operations)

• Bachelors Degree in Engineering and Diploma in Management & CAIIB

• He is associated with SIB since 1984 and heads Departments such as Risk Management, Technology, Marketing, Corporate Financial Management, Human Resource and Inspection & Vigilance

• He was Head of Credit handling a portfolio of Rs.40,000 crores and was instrumental in the execution of the Retail Strategy of the Bank which saw significant growth in the MSME & Agriculture Sectors

Mr. G Sivakumar, EVP (Credit)

• Postgraduate in Chemistry and holds Masters Degree in Business Administration & CAIIB

• He heads Credit and Legal Departments

• He has over 35 Years of Experience in Domestic and International Banking in India and Abroad

• Before joining SIB, he was the General Manager and Head of Private Equity Vertical in State Bank of India where he was

responsible for Private Equity and Venture Capital Investments made by the Bank

• He was also a nominee director on the Board of Directors of four companies and Investment Committee of more than

ten Alternative Investment Funds

Mr. K N Reghunathan, EVP (Treasury)

• Commerce Graduate & CAIIB

• He is responsible for Treasury Operations of the Bank along with International Banking Division

• Before joining SIB, he was associated with Union Bank of India and was General Manager of Treasury and International

Banking Division.

• He was the Bank’s nominee on the Board of FIMMDA and SBI Global Factors and Member of the Advisory Committee

of Metropolitan Stock Exchange of India, IDFC Investment Fund, TATA Growth Fund, TATA Innovative Fund, India

Advantage Fund I & II

57

Management Team

Mr. John Thomas, Senior General Manager (Business Development Department)

• Bachelors Degree in Science, MBA and CAIIB

Mr. Raphael T.J., Senior General Manager (Chief Information Officer)

• Bachelors Degree in Commerce, Masters in EXIM,

Diploma in Financial Management and CAIIB

Mr. Anto George T, General Manager (Head of Inspection & Vigilance Department and Chief of Internal Vigilance)

• Bachelors Degree in Arts & Post Graduate Diploma in

Computer Application, Certification in RDBMS & Oracle

8i and JAIIB

• Bachelors Degree in Arts & Masters Degree in Business

Administration and CAIIB

Mr. Benoy Varghese (Country Head – Wholesale Banking)

Mr. Paul V.L., Senior General Manager (Administration)

• Masters Degree in Arts and Post Graduate Diploma in

Personnel Management & JAIIB

Mr. Sanchay Sinha (Country Head – Retail Banking)

• Bachelor’s degree in Arts, Post Graduate Certificate in

Business Management (XLRI)

58

Management Team

Mr. C.P. Gireesh, Chief Financial Officer

• Bachelors Degree in Mathematics

• Fellow member of the Institute of Chartered Accountants of India and Certified Associate of the Indian Institute of

Banking & Finance

Mr. Jacob EA, Chief Compliance Officer

• Bachelors Degree in Science & CAIIB - I

Mr. Jimmy Mathew, Company Secretary

• Bachelors Degree in Commerce, Associate Member of

Institute of Company Secretary of India and Institute of

Cost & Management Accountants of India. Also a Certified

Associate of the Indian Institute of Banking & Finance

Mr. Reddy N J, General Manager

• Masters Degree in Commerce & LLB

Mr. Shelly Joseph, General Manager

• Masters Degree in Commerce & CAIIB

59

Award Wins

Won Digital India Excellence Award 2017

Digital India Excellence Award 2017 for its innovation in mobile app ‘Digital e-lock’ in the 5th PAN-IIM World Management Awards 2017

60

Awards & Recognition

Awarded with ISO 27001:2013 Certification

The certification process involved an extensive audit, conducted by British Standards Institution against the criteria set out by the ISO 27001:2013 standards on various domains of IT functions

61

Awards & Recognition

Won National Payments Excellence Awards -2016

Won Finnoviti Award - 2017

Won “IBA Banking Technology Awards”

62

Awards & Recognition

Won Two IDRBT Best Bank Awards

Bagged “Dun & Bradstreet, India’s Top Banks & Banking Awards 2017”

63

Company Investor Relations Advisors

The South Indian Bank Ltd.CIN – L65191KL1929PLC001017Mr. C. P. Gireesh, CFO/Mr. Vijith S, Dy. General Manager cpgireesh@sib.co.invijiths@sib.co.in

www.southindianbank.com

Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Mr. Shogun Jain/ Mr. Sagar Shroffshogun.jain@sgapl.net / sagar.shroff@sgapl.net+91 77383 77756 / +91 98205 19303www.sgapl.net

For further information, please contact: